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Posted On: July 14, 2010 by Scott Sagaria

Six Tips For Bankruptcy Chapter 7

A San Jose bankruptcy lawyer has Six Tips For Bankruptcy Chapter 7 ...

Here are six tips for filing bankruptcy under Chapter 7. The first tip for filing bankruptcy under Chapter 7 is to make sure that you are current on your home mortgage. If you are not current on your home mortgage and intend on keeping your home, the lender will attempt to foreclose on the house. The second tip for filing bankruptcy under Chapter 7 is to stop paying your credit card bills and all other unsecured bills. These debts will be discharged regardless of how far behind you are on payments.

The third tip for filing bankruptcy under Chapter 7 is to make sure that all your taxes are filed. Despite rumors, taxes may be dischargeable under a Chapter 7 bankruptcy. The fourth tip for filing bankruptcy under Chapter 7 is to place all your exempt money in certain investments, including fully funding your IRA, paying off arrears, or pre-paying any property taxes or homeowner’s dues.

The fifth tip for filing bankruptcy under Chapter 7 is to not take any overtime or bonuses within six months of filing bankruptcy. The means test averages your last six months income, regardless of irregular bonuses or pay raises. Lastly, the most important tip for filing bankruptcy under Chapter 7 is to hire an attorney. Many people feel that filing for Chapter 7 bankruptcy is easy and that they can do it when in reality it is very difficult and a small mistake can lead to huge repercussions.

If you have questions regarding Bankruptcy in San Jose please contact us at 408.279.2288 for a free consultation or visit www.bkanswers.com and we can connect you with one of our experienced San Jose Bankruptcy Attorneys. After you have spoken with one of our downtown San Jose bankruptcy attorneys, we can schedule you for a free face to face appointment in an office location nearest you. Our team of San Jose Bankruptcy Lawyers can assist you with all aspects of your bankruptcy or bankruptcy litigation case. If you have questions about filing a Chapter 7 bankruptcy, a Chapter 11 bankruptcy, a Chapter 13 bankruptcy, or would like to learn more about bankruptcy litigation, legal debt settlement, mortgage modification, lien stripping, cram down, stopping a foreclosure, wage garnishment, asset protection, discharging a debt, etc. we can help! We have bankruptcy attorneys located throughout California and Oregon who can assist you with all of your debt resolution questions. Please feel free to complete our free online bankruptcy evaluation and we can quickly determine if you are a qualified candidate for bankruptcy. We look forward to hearing from you, San Jose and the South Bay!

Posted by Scott Sagaria | | Email This Post | Comments (0)

Posted In: Chapter 7 Bankruptcy

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